A few months ago we set up a special checking account to save money and pay for wedding expenses (my daughter is getting married in July). The Customer Service Rep at the branch said we qualified for a "premier account". Whatever. The debit card is black instead of blue.
I look at the very small balance this morning and I see we were charged a $20.00 Service Fee. WTF? Not too upset, these things happen, I call the local branch to get it fixed.
The lady asks me a series of questions to determine that indeed I am looking at my own account information and I am me. She says I am charged because I did not have 5 debit transactions in April. I pointed out I had six in the past ten days. Oh.
She thinks I was charged maybe because I did not have $XX minimum balance. I reminded her that there were no minimum balance requirements if I have $XXX in loans. I more than surpass that threshold (sadly). She said the loans were not linked and I would have to come in to the branch.
"For what?" I asked. She said I would have to bring in a photo ID so they could link the accounts. Now I am really confused. She admitted she can see both checking accounts and that it shows on the screen my wife and I have two auto loans. So what is the problem? "They are not linked". I explain she should fix that.
She told me she is not a banker. HUH? I asked just who is a banker, then? She said if I come in she can fix the problem. So I guess if one calls the bank, there are no bankers, but if one takes off work to come in, then there are bankers?
So I guess I take my lunch hour, or use up valuable blogging time, to drive to town so some "banker" can hit a few keys to make sure I am not charged in the future. Then we will get really unpleasant until the $20 Service Fee goes away because some nitwit did not push the right keys when I signed up for this account six months ago.